MORTGAGE BRAIN LIMITED
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Next accounts due
2026-12-31 (in 7mo)
Last filed for 2025-03-31
Confirmation statement due
2026-12-05 (in 7mo)
Last made up 2025-11-21
Watchouts
None on the register
Cash
£2M
-47.1% vs 2024
Net assets
£11M
-14.3% vs 2024
Employees
90
-5.3% vs 2024
Profit before tax
-£2M
-56.4% vs 2024
Net assets
2-year trend · vs Technology median
Accounts
2-year trend · latest reflected 2025-03-31
| Metric | Trend | 2024-03-31 | 2025-03-31 |
|---|---|---|---|
| Turnover | £9,270,059 | £9,860,655 | |
| Operating profit | -£1,300,969 | -£1,636,855 | |
| Profit before tax | -£1,472,384 | -£2,302,675 | |
| Net profit | -£1,259,600 | -£1,880,920 | |
| Cash | £3,656,011 | £1,935,376 | |
| Total assets less current liabilities | £14,464,884 | £11,851,399 | |
| Net assets | £13,110,200 | £11,229,280 | |
| Equity | £13,110,200 | £11,229,280 | |
| Average employees | 95 | 90 | |
| Wages | £6,577,655 | £6,932,851 |
Values shown as filed in the company's annual accounts. — indicates the figure wasn't present under that line item in that period. About these numbers
Ratios
Computed from the line items above — sparklines read oldest → newest
| Ratio | Trend | 2024-03-31 | 2025-03-31 |
|---|---|---|---|
| Operating margin | -14.0% | -16.6% | |
| Net margin | -13.6% | -19.1% | |
| Return on capital employed | -9.0% | -13.8% | |
| Gearing (liabilities / total assets) | 37.4% | 35.8% | |
| Current ratio | 2.57x | 2.34x | |
| Interest cover | -7.26x | -11.35x |
Margins divide P&L lines by turnover. Gearing is liabilities over total assets. Current ratio is current assets over creditors falling due within one year. Interest cover is operating profit over absolute finance costs. Sector-distribution context coming next.
Audit & accounting basis
- Accounting basis
- FRS 102
- Reporting scope
- Standalone (parent only)
- Auditor
- Coveney Nicholls Partnership LLP
- Audit opinion
- Unqualified (clean)
- Going concern
- Affirmed
“The financial statements have been prepared on a going concern basis which the Directors consider to be appropriate for the following reasons. Consequently, the Directors are confident that the Company will have sufficient funds to continue to meet its liabilities as they fall due until at least twelve months from the date of these financial statements being signed and therefore have prepared the financial statements on a going concern basis.”
Group structure
- MORTGAGE BRAIN LIMITED · parent
- The Mortgage Trading Exchange Limited 100%
- Mortgagestream Limited 100%
- Mister Broker Limited 100%
Significant events
- “The Company re-assessed the contingent consideration due on the acquisition of Mister Broker Limited made in April 2022. The contingent consideration has been increased by £90,813 and in line with this, the carrying value of the investment was increased by £90,813.”
Auditor, going-concern and subsidiary information is drawn from the narrative of the latest annual accounts. About these numbers
People
2 active · 47 resigned
| Name | Role | Appointed | Born | Nationality |
|---|---|---|---|---|
| BILGRAMI, Syed Zahid Hussain | Director | 2021-04-27 | Mar 1971 | British |
| BROWN, Alastair Colin Gillies | Director | 2022-02-22 | Aug 1974 | British |
Show 47 resigned officers
| Name | Role | Appointed | Resigned |
|---|---|---|---|
| GIBBS, Peter John | Secretary | 2002-09-26 | 2018-05-24 |
| LOUVEL, Barry | Secretary | — | 2002-09-26 |
| ANDREW, Ian George | Director | 2014-04-24 | 2022-07-08 |
| BANDA, Larry | Director | 2005-07-06 | 2014-04-24 |
| BARCLAY, Richard John Christopher | Director | 2002-09-26 | 2003-09-24 |
| BIRHA, Tarndeep Singh | Director | 2018-05-24 | 2022-04-30 |
| CALDER, Craig Paterson | Director | 2014-03-25 | 2022-07-08 |
| CROCKER, Roger David | Director | 2015-11-05 | 2018-10-16 |
| CURRAN, Peter | Director | 2012-12-14 | 2015-04-30 |
| CUTBILL, Dean Charles | Director | 2002-12-31 | 2003-10-22 |
| FELSTEAD, Graham Michael | Director | 2009-07-21 | 2015-04-30 |
| FINLAY, David | Director | 2004-02-25 | 2012-05-31 |
| FORDHAM, Brad Graham | Director | 2013-01-31 | 2014-03-25 |
| GAUGHAN, Kevin | Director | 2016-01-28 | 2016-08-04 |
| GIBBONS, John Gerard | Director | 2014-03-25 | 2022-07-08 |
| GIBBS, Peter John | Director | 2002-09-26 | 2018-05-24 |
| GREEN, Anne | Director | 1994-04-04 | 2001-05-21 |
| GREEN, Michael John | Director | — | 2002-09-26 |
| HARESNAPE, Charles William | Director | 2002-09-26 | 2005-12-14 |
| HETHERINGTON, Tina | Director | 2004-12-01 | 2005-07-06 |
| HICKMAN, Darren James | Director | 2001-05-23 | 2008-01-31 |
| LAPISH, Timothy James | Director | 2010-05-27 | 2019-05-31 |
| LOFTHOUSE, Mark Adrian | Director | 2002-09-26 | 2021-04-27 |
| LOUVEL, Barry | Director | — | 2002-09-26 |
| LOUVEL, Patricia Elizabeth | Director | 1994-04-04 | 2001-05-21 |
| MOLYNEUX, Christopher | Director | 2016-08-04 | 2019-12-19 |
| MOONEY, Anthony David | Director | 2016-04-28 | 2016-11-24 |
| MORSHEAD, Tracy Lindsay | Director | 2008-03-27 | 2019-04-30 |
| MORSHEAD, Tracy Lindsay | Director | 2002-09-26 | 2004-06-10 |
| NICE, Peter | Director | — | 2002-09-26 |
| O'DONOVAN, James Vincent | Director | 2005-12-14 | 2007-05-24 |
| O'LOINGSIGH, Laoiseach Sean | Director | 2012-05-31 | 2013-02-28 |
| PARKER, Mark Ashley | Director | 2009-12-17 | 2012-01-01 |
| PEARSON, Christopher Howard | Director | 2007-05-24 | 2009-07-21 |
| PRODGER, Karen | Director | 2013-02-28 | 2014-03-25 |
| RICHARDSON, Mark William | Director | 2003-10-22 | 2004-02-25 |
| RICKARDS, Philip Martin | Director | 2009-10-29 | 2012-12-14 |
| ROGERSON, Peter David | Director | 2016-11-24 | 2019-07-17 |
| SAXTON, Jack | Director | 2001-05-21 | 2009-10-29 |
| SUTHERLAND, John Andrew | Director | 2004-06-16 | 2004-10-20 |
| TAYLOR, Richard John | Director | 2008-01-31 | 2011-06-30 |
| TAYLOR, Sarah | Director | 2015-04-30 | 2018-12-31 |
| TEMPLETON, Claire Louise | Director | 2003-09-24 | 2008-06-26 |
| TUGWELL, Richard Charles | Director | 2012-01-01 | 2016-03-31 |
| TUGWELL, Richard Charles | Director | 2008-06-26 | 2009-12-17 |
| WEBB, Valerie | Director | 2004-06-10 | 2004-12-01 |
| WHITTAKER, Adrian Michael | Director | 2011-06-30 | 2013-01-31 |
Ownership
Persons with significant control
| Name | Kind | Nature of control | Notified | Status |
|---|---|---|---|---|
| Mortgage Brain Holdings Limited | Corporate entity | Shares 75–100% | 2016-04-06 | Active |
Filing timeline
Last 20 of 225 total filings
| Date | Type | Category | Description | |
|---|---|---|---|---|
| 2026-01-02 | AA | accounts | Accounts with accounts type full | |
| 2025-12-16 | CS01 | confirmation-statement | Confirmation statement with no updates | |
| 2025-10-15 | CH01 | officers | Change person director company with change date | |
| 2025-01-08 | CS01 | confirmation-statement | Confirmation statement with no updates | |
| 2024-12-27 | AA | accounts | Accounts with accounts type full | |
| 2024-01-04 | AA | accounts | Accounts with accounts type full | |
| 2023-12-12 | CS01 | confirmation-statement | Confirmation statement with updates | |
| 2022-12-15 | AA | accounts | Accounts with accounts type full | |
| 2022-11-21 | CS01 | confirmation-statement | Confirmation statement with no updates | |
| 2022-07-08 | TM01 | officers | Termination director company with name termination date | |
| 2022-07-08 | TM01 | officers | Termination director company with name termination date | |
| 2022-07-08 | TM01 | officers | Termination director company with name termination date | |
| 2022-05-13 | TM01 | officers | Termination director company with name termination date | |
| 2022-03-01 | AP01 | officers | Appoint person director company with name date | |
| 2022-01-10 | AA | accounts | Accounts with accounts type full | |
| 2021-12-31 | CS01 | confirmation-statement | Confirmation statement with no updates | |
| 2021-05-19 | AP01 | officers | Appoint person director company with name date | |
| 2021-05-19 | TM01 | officers | Termination director company with name termination date | |
| 2021-03-31 | AA | accounts | Accounts with accounts type full | |
| 2021-01-29 | CS01 | confirmation-statement | Confirmation statement with no updates |
Public-record activity
Raw counts from Companies House — last 12–24 months
- Filings
- 3
- Capital events
- 0
- Officers appointed
- 0
- Officers resigned
- 0
last 12 months
last 24 months
last 12 months
last 12 months
Direct counts from the register. No score, no rating — see the Filing timeline for the underlying events.
Year-on-year
FY2024 → FY2025 · period ending 2025-03-31 vs 2024-03-31
-
Turnover
+6.4%
£9,270,059 £9,860,655
-
Cash
-47.1%
£3,656,011 £1,935,376
-
Net assets
-14.3%
£13,110,200 £11,229,280
-
Employees
-5.3%
95 90
-
Operating profit
-25.8%
-£1,300,969 -£1,636,855
-
Profit before tax
-56.4%
-£1,472,384 -£2,302,675
-
Wages
+5.4%
£6,577,655 £6,932,851
Each % is (latest − prior) ÷ |prior| for the line item as filed. Periods don't have to be exactly 12 months apart — a long or short period (typical around incorporation or year-end changes) will distort the comparison. Lines a company doesn't report are omitted. About these numbers